5EUNKYOUNG LEE, BYUNGTAE LEE. Herding behavior in online P2P lending: an empirical investigation[ J]. Electronic Commerce Re- search and Applications, 2012, 11 (5) : 495-503.
6ASHTA A, ASSADI D. An analysis of European online micro-lending websites[J]. Innovative Marketing, 2010, 6(2) : 7-17.
7HERZENSTEIN M, ANDREWS R L, DHOLAKIA U, et al. The democratization of personal consumer loans? determinants of success in online peer-to-peer lending communities[R]. University of Delaware, Wilmington, DE, Working paper, 2008.
8IYER R, KHWAJA A I, LUTTMER E F P, et al. Screening in new credit markets : Can individual lenders infer borrower creditworthiness in peer-to-peer lending? [ R]. National Bureau of Economic Research, 2009.
9POPE D G, SYDNOR J R. What' s in a picture? evidence of discrimination from prosper, com[ J]. Journal of Human Resources, 2011, 46(1 ) : 53-92.
10RAVINA E. Love & loans: the effect of beauty and personal characteristics in credit markets[ R]. Available at SSRN 1107307, 2005.
